Royal Sundaram's Family Plus Health Insurance Plan
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Royal Sundaram Health Insurance Royal Sundaram Health Insurance ★ 4.4

Royal Sundaram Family Plus Plan

Royal Sundaram Family Plus Health Insurance Plan offers individual cov ...Read More

Up to 1.5 Cr
Sum insured
1
No. of plans
160+
Pan India presence
96.17%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 2.20 solvency ratio
✅ 96.17% claim settlement

Royal Sundaram Family Plus Health Insurance Plan offers individual coverage up to INR 15 lakhs and family floater coverage up to INR 50 lakhs for medical expenses. It is a versatile health plan covering maternity and newborn benefits.

Why Do We Recommend This?
  • Nutritional allowance
  • Domiciliary hospitalization
  • Emergency domestic evacuation

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
18 Years to No Upper Limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L
Waiting period
30 days
Renewability
Lifetime
Policy term
1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Ambulance Cover
  • Re-load of Sum Insured
  • Second Opinion for 11 specified Critical Illnesses

Cons

  • Investigation & Evaluation
  • Obesity/Weight Control
  • Alcoholism

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Not covered
  • Global coverage Not covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: No upper limit
  • Sum Insured: Up to 50 L
  • Initial waiting period: 30 Days

Frequently Asked Questions

The 6 most-asked questions about Royal Sundaram Family Plus Plan, answered.

Pre-policy medical check-ups are only applicable to people 45+ years of age group and those who have some pre-existing disease.
The individual-based plan of RS Family Plus comes with SI options ranging from 2 Lakhs to 15 Lakhs. Whereas, the family floater plan has SI options ranging from 3 Lakhs to 50 Lakhs.
You can cover 19 individuals under the family floater plan variant.
You can provide the proper residential address to your insurer, and if you live in a non-metropolitan city, there will be a 15% discount on the payable premium based on zone charges.
It means you are eligible to buy a health insurance plan which comes as a set of individual plan SI + family plan SI.
Against all the paid premiums of your policy, you can avail of the tax benefit upto the specified limit.

Explore Royal Sundaram Health Insurance

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 17 Oct 2024

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